1. Pay down my debts (currently at $17,400 in CC's and student loans. current in consolidation with CCC at $120 a week).2. Become better organized to pay the bills. (typically, I'm late!, not a good thing!)3. Earn extra income with a side business, plus get out of the contractor role and into a steady environment (already picked out, I'm currently contracting there)4. Buy christmas gifts all through the year, instead of at the last minute.5. Save 50% of my tax return into a separate account, then use the rest to help pay down other debts not related to the CC and student loan debt.